BlastPoint's Credit Union Scorecard
MILESTONES
Charter #5144 · ME
MILESTONES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Efficiency ratio 1.02% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 8 that size in Maine.
- Shares and deposits -0.1% year over year ($31.2M in shares and deposits).
- Membership: 1,820 members, +1.1% vs a year ago.
- Delinquency rate 0.76%.
- Return on assets 0.05%.
- Efficiency ratio 89.78% vs a 88.77% peer average.
- Loan-to-share ratio 77.12% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (ME) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,820
+1.1% YoY+0.2% QoQ
|
-765 |
2,585
-1.7% YoY
|
16,125
+1.5% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$35.1M
-0.0% YoY+1.0% QoQ
|
+$4.8M |
$30.3M
+1.5% YoY
|
$282.5M
+5.4% YoY
|
$593.1M
+10.2% YoY
|
64% |
| Loans |
$24.0M
+6.8% YoY+3.2% QoQ
|
+$8.6M |
$15.5M
-1.7% YoY
|
$195.0M
+5.1% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$31.2M
-0.1% YoY+1.0% QoQ
|
+$5.3M |
$25.8M
+1.1% YoY
|
$246.1M
+4.8% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
0.1%
-93.3% YoY-71.8% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.8%
-4.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.0% in tier |
| NIM |
3.9%
+7.4% YoY+0.7% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.6%
+1.9% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
89.8%
+14.3% YoY+2.3% QoQ
|
+1.0% |
88.8%
-6.9% YoY
|
78.1%
+1.5% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.8%
+76.2% YoY-4.9% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
0.9%
+26.9% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
77.1%
+6.9% YoY+2.2% QoQ
|
+18.2% |
58.9%
-3.1% YoY
|
74.1%
-1.3% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$30,315
+1.7% YoY+1.8% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$26,047
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.0% in tier |
| CD Concentration |
31.2%
-0.5% YoY-2.6% QoQ
|
+6.7% | 24.6% | 25.5% | 20.0% | 50% |
| Indirect Auto % |
0.8%
+31.0% QoQ
|
-12.8% | 13.6% | 16.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)